Calculators. The data, no decoration.
Four tools for the math we run on every file. Stress test, payment, blend, refi break-even. Real Canadian rules, no credit pull, no email gate.
// payment
Standard payment calculator
$550,000
4.49%
25 yr
monthly
$3,041
total_paid
$912,313
interest
$362,313
// stress_test
OSFI B-20 qualifying rate
4.49%
your_payment_at
4.49%
qualifying_rate
6.49%
Lender must approve at qualifying_rate. Your actual payment uses contract_rate. The gap is what trips most borrowers.
// blended_rate
Existing + new money blend
$380,000
3.99%
$170,000
4.49%
blended_rate4.14%
Useful when extending an existing mortgage to fund a renovation or refinance partial.
// refi_break_even
Refinance break-even
$450,000
22 yr
5.84%
4.49%
monthly_savings
$338
est_penalty
$6,570
break_even
20 mo
Penalty is rough estimate (3-month interest). Actual IRD calc requires lender-specific math.
